This company got through to my email with a "free" credit report offer. You sign up using your credit card number, but they assure you that there will be no charge, that it's only for security purposes. There are a lot of pages to the sign-up process, and they assure you all the way through. Sure enough, no charge to my account...the first month. Here it is a month later, and bingo--$12.95 to MNICreditReport.com ! Not cool! read full review »